Let’s agree on something; your health is the most precious thing in your life. If you don’t take good care of your health, you won’t be able to work which can result in a no-money, no-life situation. That’s why the first thing you should consider is opting for a health insurance program to be on the safe side. If you happen to live in or you just moved to Pennsylvania, there are multiple insurance plans that you should be aware of to choose what suits you best.
Medicaid and CHIP
This program will be suitable for you if you have low income, however, you should also apply if you have children, are pregnant, or have a disability. Medicaid and Children’s Health Insurance Program (CHIP) offers a great insurance deal with free or low-cost expenses for moderate-wage households, disabled people, and pregnant women. You might also qualify for Medicaid if you’re unemployed.
If you’re 65 years of age or older, that should be a beneficial insurance plan for you, but the program is not limited to elders; younger people with disabilities and people with End-Stage Renal Disease can qualify as well. There are many ways you can apply to this program, either directly with an insurance company, check your Pennsylvania health insurance options with Independence Blue Cross, or you can simply check the official page for health insurance Healthcare.gov for variable privileges.
Short Term Health Insurance
As the name suggests, this is a short temporary health insurance plan you can go for, but for a limited amount of time. It is practical if you want a budget-friendly monthly payment, while you are looking for a stable and long term plan. Bottom-line, you would guarantee health insurance coverage during your search phase. This plan lasts for 364 days and it can be renewed for the duration of 36 months.
Private Health Insurance
Individual and family plans are available for you, if you don’t want to stick to any of the former ones and if your employer does not cover your health insurance. You want to start searching first for the private plans available in your city; not all of the plans are accessible all over Pennsylvania. Private health insurance is divided into levels of coverage; there is Platinum, Gold, Silver, Bronze and Catastrophic levels that you can choose from according to your medical needs. So, if you need a lot of health care services, the Platinum level should be a very good option, however, if you’re applying for a just-in-case coverage and you’re under 30, you should consider the Catastrophic level.
Health insurance plans differ according to your medical condition, your age, your family members and your household income. So, when you consider all of that and choose the right health plan, what you pay will also differ according to the number of family members joining you on this plan. Caring for your health should be a priority in your life that’s why you should look for insurance options if you don’t have one already. And if you’re a Pennsylvania resident, it’s best to consider one of the options mentioned above.